Ewing, NJ · Charter 7447
Q4 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2007, the quarter ended December 31, 2007, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Ewing, NJ · Charter 7447
Q4 2007
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.45% | 0.86% | 0.65% | 0.74% | -3.26% | -371 bps | |
| Return on Equity | 2.55% | 4.95% | 3.86% | 4.01% | -34.84% | -3,739 bps | |
| Net Interest Margin | 3.99% | 4.52% | 4.37% | 4.76% | 4.78% | +79 bps | |
| Efficiency Ratio | 84.43% | 77.57% | 79.44% | 78.69% | 147.58% | +6,316 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -9.26% | -6.71% | 0.04% | -1.84% | -3.69% | +558 bps | |
| Loan Growth (YoY) | 13.95% | 15.72% | 16.42% | 11.95% | 12.12% | -183 bps | |
| Share Growth (YoY) | -11.54% | -8.75% | -5.06% | -3.26% | -4.70% | +684 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.01% | 1.85% | 1.25% | 1.85% | 3.29% | +127 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.13% | 0.90% | 0.96% | 1.17% | 2.72% | +159 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.52% | 17.45% | 16.89% | 18.52% | 9.36% | -816 bps | |
| Net Worth / Assets | 17.52% | 17.45% | 16.89% | 18.52% | 9.36% | -816 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 40.67% | 40.41% | 42.22% | 45.82% | 47.85% | +717 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |